TRADISI BHUBUWÂN SEBAGAI MODEL INVESTASI DI MADURA
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Abstract
Abstrak:
Tulisan ini berusaha memberikan deskripsi bagaimana peralihan kekayaan dari satu orang ke orang lain berupa bhubuwân di Kabupaten Bangkalan, Madura dikritisi dengan menggunakan perspektif ekonomi Islam dengan berupaya memberikan gambaran yang utuh dan menyeluruh. Kajian ini diharapkan memberikan sebuah deskripsi bagaimana budaya yang sudah menyatu dengan masyarakat Madura ini dapat dikritisi dengan satu semangat bukan untuk menghilangkannya namun untuk mencari format yang mungkin akan mendatangkan kebaikan bagi pelaku bhubuwân. Dari kajian ini dicobaban-dingkan apakah bhubuwân bisa dikategorikan sebagai bentuk pemberian yang tidak mengikat (hibah), arisan, hutang, atau bahkan salah satu model investasi? Tulisan ini juga mengusulkan agar bhubuwân dianggap sebagai sebuah transaksi yang bisa dilirik oleh penyedia jasa keuangan, baik bank maupun non bank, sehingga mesin uang tersebut bisa dikelola dengan baik dan sesuai dengan prinsip-prinsip syariah. Sehingga, transaksi bisnis yang mengandung motivasi sosial ini dapat terus berlangsung dengan meminimalisasi segala resiko yang ada.
Abstract:
This article tends to serve a comprehensive and thorough description on people to people wealth transfer in form of bhubuwân in the residence of Bangkalan Madura. The wealth transfer has been criticized from the perspective of Islamic economy. This study is also to describe an effort to criticize, to find a new form bhubuwân, however, it is not about to leave it out. The new form is expected to invite good deed to those performing bhubuwhân. Furthermore, it analyzes if bhubuwân is a hibah (non-binding gift), arisan (regular social gathering whose members contribute to and take turns at winning an aggregate sum of money), debt, and an investation model. It suggests that bhubuwân could attract a capital service supplier as a kind of capital transaction. It might be banking and non-banking ones. Moreover, they are able to manage this “money machine” well based on the syriah (Islamic law) principles. Bhubuwân is considered a social motivation, it is anticipated to run everlastingly with minimizing current risks.
Kata Kunci:
Bhubuwân, hibah, ta’ȃwun, hutang-piutang, arisan, investasi
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